A schedule defined in the Plan document and the SPD based on years of service with the employer. Each year of service is credited with a vesting percent, but in no event can an employee be made to wait more than 6 years before they are considered 100% vested in employer contributions. An employee is given credit for a year of service with the employer once they have satisfied a defined number of hours during the plan year, typically 1,000 or less hours. The number of years of service is then cross-referenced against the vesting schedule to determine the participant’s vested percent, or ownership percent in employer provided contributions. Please note that a plan may disregard years of service with the employer for service performed prior to the plan’s effective date and/or service performed prior to a participant turning age 18.